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Pension risk transfer

Collaborative expertise and service

Pension risk transfer (PRT) is a strategy that allows companies to manage the financial risks associated with their defined-benefit pension plans.

An employer transfers some or all of its pension obligations to Securian Financial through a purchase of a guaranteed single-premium group annuity contract issued by Minnesota Life Insurance Company or Securian Life Insurance Company. Then we take over the responsibility to make all future benefit payments to transferred participants and assume all investment, liquidity and mortality risks.

How companies benefit

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Reduced financial risk

Mitigates risks related to investment returns, interest rate fluctuations, balance sheet and income statement volatility, and longevity.

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Cost predictability

Reduces uncertainties in managing pension plans and eliminating PBGC premiums and other administrative costs for transferred liabilities.

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Core business focus

Frees up capacity to concentrate on primary business activities without the administrative load and financial resources required for managing pension liabilities.

Why work with us

Securian Financial offers a proven history of financial stability and expertise in the PRT market. We are the 9th largest writer of pension risk transfer in the industry1 and known for our collaboration and customer service. In fact, consultants and companies we work with give our team of experts a Net Promoter Score of well above 70, which is generally considered to be "world-class" level.2

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We align the work we do as a conscientious, customer-focused organization with the priorities of our clients. Our dedicated support teams ensure seamless transitions and ongoing assistance, showcasing our strong track record in the PRT market.

Blake Reigert

Director, Business Development, Institutional Retirement Solutions

Our top-level Net Promoter Score speaks volumes about our approach to service and collaboration. We work side-by-side with our clients every step of the way to exceed expectations for all involved.

Angela Olson

Manager, Business Operations, Institutional Retirement Solutions

In the fiduciary-focused business of PRT, the current and continued financial strength of an insurance company is paramount. Securian helps our customers build secure tomorrows and we want them to have the peace of mind that they deserve in their retirement years.

Kent Peterson

Vice-President, Institutional Retirement Solutions

We love to solve retirement challenges

Contact our dedicated team today.

Contact us

All from a company known for its financial strength

Securian Financial has been providing solutions and protecting families for more than 140 years. Our mutual holding company structure means we’re not under pressure to deliver short-term returns. Instead, we focus our energy on serving customers’ long-term needs.

See our strength
  1. LIMRA, U.S. Group Annuity Risk Transfer Survey, Fourth Quarter 2024. Figure reflects total PRT buyout sales.
  2. Securian Financial PRT client and consultant experience study, December 2024.

Our financial strength and claims-paying ability rank us among the most highly rated insurance company groups in the nation. For more information about the rating agencies and to see where our ratings rank compared to other ratings, please visit securian.com/ratings.

This product is subject to the financial strength and claims-paying ability of Minnesota Life Insurance Company or Securian Life Insurance Company.

Associates shown are Securian Financial employees, and thus have a financial connection to Securian Financial. Their statements were given freely.

DOFU 4-2026

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